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Dodge Ram Pickup 1500 Insurance Rates

You have lots of choices when insurance shopping for your Dodge vehicle. You can buy from a local agent or get quotes online to compare insurance costs of many different companies. Shopping for auto insurance from online companies saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Cutting your Ram Pickup 1500 insurance cost is actually quite simple. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine car insurance premiums?

Auto insurance rates for a Dodge Ram Pickup 1500 can be significantly different and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that will help determine Ram Pickup 1500 insurance rates is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. But new Dodge models may have a trim level with safety features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Ram Pickup 1500 from available model years below.

Liability coverage - This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision - Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Ram Pickup 1500 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Dodge Ram Pickup 1500 comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.

How Much are Dodge Ram Pickup 1500 Insurance Rates?